3 Ways to Ruin a Perfectly Good Retirement

U.S. News & World Report

, recently listed the 10 ways to ruin a retirement. Among them, thinking you're not going to live as long as you actually do, not factoring in inflation, retiring too young and failing to save enough (duh).

I won't bore you with all 10, because the truth of the matter is that many of us -- 26%, according to Bankrate.com -- will be solely relying on Social Security when we hit our golden years. So if the check arrives on time, we'll manage to muddle through. If Social Security goes belly up, not being able to collect a monthly check from the government will be the least of our problems.